1. SAVING AND INVESTMENT BASICS
Savings-storing money for future use
Investing-using savings to earn money
The growth of savings
Interest-money you receive for letting others use your money
Compound interest-amount saved plus interest

2. SAVING AND INVESTMENT CHOICES
Savings plans
Savings account
Certificate of deposit
Money market account
Securities
Stock investments
Bond investments
Mutual funds
Alternative investments
Real estate
Commodities
Collectibles

3. EVALUATING SAVINGS AND INVESTMENTS
Safety and risk
Potential return
Yield-% of money earned
Liquidity-how easy an investment can be changed into cash
Taxes

4. INVESTMENT PYRAMID

5. DEFINE KEY TERMS preferred stock common stock stockbroker
stock exchange
market value

6. TYPES OF STOCK
Preferred stock
Common stock

7. STOCK TRANSACTIONS Using a stockbroker Online investing
Stock exchanges
Changing stock values

8. STOCK MARKET PRICE REPORT

9. STOCK SELECTION Stock information sources Economic factors
Inflation
Interest rates
Consumer spending
Employment
Company factors

10. GOVERNMENT BONDS Municipal bonds U.S. savings bonds
Other federal securities
Federal notes (T-notes)
Treasury bills (T-bills)
Treasury bonds (T-bonds)

11. CORPORATE BONDS
Bond components
Bond values

12. MUTUAL FUNDS
A mutual fund is an investment fund set up and managed by companies that receive money from many investors.

13. TYPES OF MUTUAL FUNDS Aggressive-growth stock funds Income funds
International funds
Sector funds
Bond funds
Balanced funds

14. DEFINE KEY TERMS
real estate
mortgage
equity
assessed value

15. SELECTING HOUSING Renting your residence Owning a mobile home
Buying a home
Services of real estate agents
Other real estate professionals
Buying a condominium

16. BENEFITS OF HOME OWNERSHIP
Tax benefits
Increased equity
Pride of ownership

17. COSTS OF HOME OWNERSHIP
Property taxes
Interest payments
Property insurance
Maintenance

18. DEFINE KEY TERMS
commodities
futures contract
collectibles